Home Insurance in Crump, Tennessee
Homes in Crump carry a median value of $151,500 - 6% lower than the Hardin County median.
The typical home in Crump was built around 1979. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. About 11% of homes were built before 1960, in line with Hardin County (12%).
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Crump is 76% single-family homes and 19% mobile or manufactured homes.
About 58% of owner-occupied homes in Crump have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Crump has an owner-occupancy rate of 81% and a vacancy rate of 24%; unoccupied homes typically need a different coverage form.
Most homes in Crump - 63% - are primarily heated with electricity. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Hardin County had 163 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Hardin County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Tennessee, the statewide average premium for a standard HO-3 homeowners policy is $1,649 per year (NAIC, 2023 data).
Key figures
| Median home value | $151,500 |
|---|---|
| Median year built | 1979 |
| Owner-occupied share | 81% |
| Share of owner-occupied homes with a mortgage | 58% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Hardin County | 163 |
| Home insurance premium | $1,649 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)